Communityamerica Mortgage Rates, Fees & Info
Lenexa, KSLEI: 5493002QRULT2T40BH09
Tax ID: 44-6015072
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Mortgage Data
Review & Overview
Communityamerica is a small mortgage company specializing in Refi and Home Purchase loans. Communityamerica has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Lawrence, Topeka, and St. Joseph among others. We have data for 119 markets. (Some data included below & more in-depth data is available with an active subscription.)Communityamerica has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Communityamerica is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 4.87% | 4/21/24 |
| 30 Year Conventional Purchase | 6.40% | 4/21/24 |
| 30 Year Conventional Refi | 6.50% | 4/21/24 |
| 30 Year Cash-out Refi | 6.62% | 4/21/24 |
| 30 Year FHA Purchase | 7.12% | 4/21/24 |
| 30 Year FHA Refi | 6.29% | 4/21/24 |
| 30 Year VA Purchase | 6.17% | 4/21/24 |
| 30 Year VA Refi | 6.44% | 4/21/24 |
| 30 Year USDA Purchase | 7.29% | 4/21/24 |
| 15 Year Conventional Purchase | 5.82% | 4/21/24 |
| 15 Year Conventional Refi | 5.74% | 4/21/24 |
| 15 Year Cash-out Refi | 5.74% | 4/21/24 |
| 15 Year FHA Purchase | 7.41% | 4/21/24 |
| 15 Year FHA Refi | 7.55% | 4/21/24 |
| 15 Year VA Purchase | 6.55% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Communityamerica Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
7,506Origination Dollar Volume (All Markets)
$1,397,870,000Awards
COMMUNITYAMERICA - 2020
COMMUNITYAMERICA is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6,922 | $1,281,760,000 | $185,172 | $2,770 | 3.47% |
| Outside of Metro Areas | 112 | $21,810,000 | $194,732 | $2,865 | 3.30% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 78 | $12,180,000 | $156,154 | $2,911 | 3.50% |
| LAWRENCE, KS (FHA|USDA|VA) | 44 | $8,100,000 | $184,091 | $3,378 | 3.34% |
| TOPEKA, KS (FHA|USDA|VA) | 35 | $4,785,000 | $136,714 | $2,856 | 3.44% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 25 | $4,345,000 | $173,800 | $2,676 | 3.68% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 14 | $4,000,000 | $285,714 | $3,571 | 3.10% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $3,670,000 | $367,000 | $4,311 | 3.44% |
| Warrensburg, MO (FHA|USDA|VA) | 21 | $3,195,000 | $152,143 | $2,464 | 3.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,550,000 | $318,750 | $5,537 | 3.03% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $2,460,000 | $246,000 | $4,246 | 3.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $2,190,000 | $273,750 | $3,241 | 3.41% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $2,165,000 | $240,556 | $4,257 | 3.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 8 | $2,040,000 | $255,000 | $2,953 | 3.14% |
| WICHITA, KS (FHA|USDA|VA) | 15 | $2,035,000 | $135,667 | $2,418 | 3.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,800,000 | $450,000 | $2,984 | 3.16% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $4,245 | 3.83% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $3,178 | 3.42% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 9 | $1,325,000 | $147,222 | $2,438 | 3.26% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $2,765 | 3.47% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $3,524 | 3.40% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $3,160 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $3,019 | 3.13% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $2,497 | 3.08% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $3,404 | 3.47% |
| JOPLIN, MO (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $3,742 | 3.92% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,002 | 4.06% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,348 | 3.29% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,843 | 3.21% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,440 | 3.31% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $1,872 | 3.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,924 | 3.25% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $8,118 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,746 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $12,463 | 3.19% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,907 | 3.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,246 | 4.69% |
| Ottawa, KS (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $2,731 | 3.85% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,451 | 3.08% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,523 | 3.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,647 | 3.75% |
| McPherson, KS (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $2,532 | 4.57% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,912 | 3.13% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,335 | 3.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,573 | 3.13% |
| Maryville, MO (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $1,765 | 3.96% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,594 | 3.00% |
| Salina, KS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,038 | 3.06% |
| Sonora, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,591 | 3.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,942 | 3.31% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,410 | 3.00% |
| West Plains, MO (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,132 | 2.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,977 | 3.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,214 | 3.44% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,666 | 3.25% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,445 | 3.31% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,492 | 3.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,232 | 3.63% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $610 | 3.00% |
| ENID, OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,590 | 2.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,603 | 3.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,414 | 3.63% |
| BEND, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,224 | 3.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,273 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,861 | 3.50% |
| FLINT, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,173 | 3.38% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,950 | 2.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,474 | 3.38% |
| MADISON, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,629 | 2.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,918 | 3.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,906 | 3.75% |
| Harrison, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,942 | 3.00% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,711 | 2.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,190 | 2.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,897 | 2.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,962 | 3.63% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,666 | 3.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,116 | 3.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,169 | 2.88% |
| Emporia, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,193 | 3.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,646 | 3.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,169 | 3.50% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,039 | 3.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,394 | 2.88% |
| Rolla, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,925 | 2.38% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,363 | 3.50% |
| Atchison, KS (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,778 | 2.81% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,804 | 3.50% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,929 | 2.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,919 | 2.75% |
| Starkville, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,968 | 2.50% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.99% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,862 | 3.38% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,196 | 3.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,429 | 3.88% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,115 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,515 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,008 | 3.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,291 | 3.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,697 | 2.88% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,349 | 3.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,454 | 2.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,226 | 3.50% |
| Mexico, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,123 | 3.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,108 | 3.38% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,681 | 2.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,568 | 3.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,010 | 3.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,848 | 3.38% |
| Parsons, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,268 | 3.13% |
| Granbury, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,830 | 3.38% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,328 | 2.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,266 | 2.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,470 | 3.63% |
| Branson, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.24% |
| Moberly, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.24% |
| Liberal, KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 2.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against COMMUNITYAMERICA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2020, Communityamerica's most frequently originated type of loan was Conventional, with 5,061 originations. Their 2nd most popular type was HELOC, with 2,060 originations.
Loan Reason
For 2020, Communityamerica's most frequently cited loan purpose was Refi, with 2,509 originations. The 2nd most popular reason was Home Purchase, with 2,143 originations.
Loan Duration/Length
For 2020, Communityamerica's most frequently cited loan duration was 30 Year, with 3,325 originations. The 2nd most popular length was Other, with 2,304 originations.
Origination Fees/Closing Costs
Communityamerica's average total fees were $3,062, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,531 originations.
Interest Rates
During 2020, Communityamerica's average interest rate for loans was 3.40%, while their most frequently originated rate bucket for loans was 3-4%, with 3,477 originations.
Loan Sizing
2020 saw Communityamerica place emphasis on $100k-200k loans with 2,536 originations, totaling $374,700,000 in origination value.
Applicant Income
Communityamerica lent most frequently to those with incomes in the $100k-150k range, with 2,001 originations. The second most popular income band? $50k-75k, with 1,376 originations.
Applicant Debt to Income Ratio
Communityamerica lent most frequently to those with DTI ratios of 20-30%, with 2,087 originations. The next most common DTI ratio? 30-36%, with 1,410 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.18%
Communityamerica has an average approval rate.
Pick Rate
Approvals leading to origination62.10%
Communityamerica has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,506 | $1,397,870,000 | $186,234 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 33.3% |
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Trouble during payment process | 1 | 33.3% |
| COMMUNITY BANK SYSTEM, INC. | Other type of mortgage | Closing on a mortgage | 1 | 33.3% |